On June 26, 2013, in United States v. Windsor, the U.S. Supreme Court struck down Section 3 of the Defense of Marriage Act as unconstitutional. In response to this ruling, the CFPB Director has issued a memorandum providing guidance on equal treatment for legally married same-sex couples. The CFPB memo clarifies, to the extent permitted by federal law, its policy to recognize all lawful marriages valid at the time of the marriage in the jurisdiction where the marriage was celebrated. This policy applies to all of the laws, regulations, and policies administered by the CFPB, including the Equal Credit Opportunity Act (ECOA), Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), and Real Estate Settlement Procedures Act (RESPA). This means that when it comes to administering, enforcing, or interpreting the laws, regulations, and policies within CFPB’s jurisdiction, the CFPB will interpret terms like “spouse,” “marriage,” “married,” “husband,” “wife,” and any other similar terms related to family or marital status to include lawful same-sex marriages and lawfully married same-sex spouses. Consistent with other federal agencies, the CFPB will not regard a person to be married by virtue of being in a domestic partnership, civil union, or other relationship not denominated by law as a marriage.